Do I need to declare I've changed this? or is it not necessary because its official BMW?

Any modification to any car needs to be noted for insurance purposes. If you don't disclose, you risk the insurance company not paying out, should a claim be made.

So if you original car was say the Sport Line and after your M-Sport panels are fitted and you don't tell the insurer and if say the front M-Sport bumper panel is damaged, they only know the panel will be the original Sport Line panel and pay for it.

Then they find out you changed it without their knowledge, they will probably deny your claim as you did not honour your duty of disclosure requirements.

Even organising my insurance, I had to disclose all factory options as well, in case of a claim. The insurance company has to know everything about your car.

Any modification to any car needs to be noted for insurance purposes. If you don't disclose, you risk the insurance company not paying out, should a claim be made.

So if you original car was say the Sport Line and after your M-Sport panels are fitted and you don't tell the insurer and if say the front M-Sport bumper panel is damaged, they only know the panel will be the original Sport Line panel and pay for it.

Then they find out you changed it without their knowledge, they will probably deny your claim as you did not honour your duty of disclosure requirements.

Even organising my insurance, I had to disclose all factory options as well, in case of a claim. The insurance company has to know everything about your car.

Cheers

thanks, as I thought.

Im just worried if I tell them i retrofitted a m-sport bumper, they will consider it to be the whole m-sport kit (seats, interior exterior etc) and my insurance cost will shoot up more than it should. How should I word it as to not cause confusion?

And the F&*^*% RBA morons are not allowing asset inflation. stupid fools. Think how much we will make off our property.

Really mate, you need to:

take anger management courses

drink less

exercise more

do all of the above

Otherwise you'll end up when you pop a blood vessel.

OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.

OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.

OP - Suncorp was pretty good with modifications from what I remember, although from your photo's I see you're on your P plates so you've got the thick end of the deal from the start. Full disclosure is always key.

In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?

didnt raise it at all, apparently, the next mod i do will nudge it up..

hey guys, one more question (not sure if ive asked this in the past), all the insurance companies say that wont insure custom paint work on cars (on their website). I painted my roof black, is that considered custom paintwork?

In the end how much extra did you have to pay for the M Sport body kit for insurance?

I wouldnt think that it would raise it by much.. $50-$80?

didnt raise it at all, apparently, the next mod i do will nudge it up..

hey guys, one more question (not sure if ive asked this in the past), all the insurance companies say that wont insure custom paint work on cars (on their website). I painted my roof black, is that considered custom paintwork?

No idea. I guess the same would be said if u buy those black performance stripes. Lol